VA mortgage rates

York County

Clear, current 2026 mortgage and refinance loan limits for homeowners in York County, Virginia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

Get Free Refinance Alerts Check a live rate
Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

York County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all Virginia counties
Refinance Payment Estimate

Estimate Your Refinance in York County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
Get Free Rate Alerts

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About York

A local view of the market.

York County, Virginia's real estate market has seen a notable increase in home values, with the average home value reaching $436,906, marking a 4.7% rise over the past year. This growth reflects a strong demand in the area, making it a competitive market for buyers and sellers alike. The county is home to several key cities, with Yorktown being one of the most prominent. Yorktown is known for its historical significance and vibrant community life. Other notable areas include Bethel Manor, which is the largest city in York County. Living in York County offers a blend of suburban and semi-rural environments, providing residents with a balance of modern amenities and natural beauty. The county's economy is supported by industries such as government, tourism, and retail. People are drawn to York County for its quality of life, which includes excellent schools, low crime rates, and abundant recreational opportunities.

County snapshot

Market context.

VA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in York County

Common questions about 2026 loan limits and refinancing opportunities in Virginia.

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.

Get Free Refinance Alerts Get a Live Rate Quote